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HDFC Millennia Credit Card vs Standard Chartered Smart Card

Honest side-by-side comparison of HDFC Millennia Credit Card, Standard Chartered Smart Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HDFC Millennia Credit Card

HDFC Bank

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature
HDFC Millennia Credit Card

HDFC Millennia Credit Card

HDFC Bank

Standard Chartered Smart Card credit card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹1,000₹499
Fee waiver thresholdWaived at ₹1,00,000/yr spendNo waiver published
Min income₹35,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹6,300/yr₹2,831/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Top reward rate5%2% cashback
Primary reward cap₹1,000 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessMilestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · GovernmentEMI · Fuel · Rent
Bonuses
Signup bonus₹1,000—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Millennia Credit Card details →Standard Chartered Smart Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Millennia Credit Card leads Standard Chartered Smart Card by about ₹3,469/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC Millennia Credit Card vs Standard Chartered Smart Card comparison table
FeatureHDFC Millennia Credit Card

HDFC Bank

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹1,000₹499
Fee waiver thresholdWaived at ₹1,00,000/yr spendNo waiver published
Min income₹35,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹6,300/yr₹2,831/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Top reward rate5%2% cashback
Primary reward cap₹1,000 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge accessMilestone domestic lounge — up to 4/year · No standalone lounge. On ₹1,00,000 spend per calendar quarter you may pick one domestic airport lounge voucher OR a ₹1,000 brand voucher (not both)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · GovernmentEMI · Fuel · Rent
Bonuses
Signup bonus₹1,000—

Frequently asked questions

Which card has the lower annual fee?
Standard Chartered Smart Card has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
HDFC Millennia Credit Card leads with an estimated ₹6,300/yr net annual value on moderate spend.
Which card has the lower income requirement?
Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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